Serving Homebuyers in 2011Brian MallaschHome Mortgage ConsultantNMLSR ID 104639

Folsom, CA

7/1/2011

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Serving more homebuyers in 2011

Because 2011 will be another tough year, work with a market leader – a market leader whose goal is to be your #1 partner as you work with your homebuyers. Wells Fargo Home Mortgage is there for you in the ways that count: -- Sourcing business -- Approving buyers -- Closing deals

The top advantages of working with us: -- Loan specialists for all kinds of homebuyer needs -- Reliable preapprovals -- Dependable sales support -- Service guarantees -- Access to buyers and sellers across the country.

It’s what makes us the nation’s #1 residential mortgage lender1.

1. Based on 2010 year-end statistics by Inside Mortgage Finance, January 28, 2011

Here’s what we’re doing to help you and your homebuyers. . .

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Our commitment to fair and responsible lending

First and foremost, Wells Fargo Home Mortgage remains committed to the fair and responsible lending practices that have become our hallmark.

Our Promise to our Customers is that we’ll work together to reach their personal and financial goals through homeownership.

We continue to favor fundamental principles over financing fads.

We work with your buyers to: -- understand their financing needs -- explore their options -- clearly explain how different loan programs work.

It’s all so they can make the informed decisions that will help keep them comfortably in their homes for years to come.

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Our home purchase planning tools

Convenient access to online tools for buying and selling property: -- budgeting tools -- email alerts keyed to movements in interest rates -- checklists -- homeownership guides -- calculators -- much more.

And I’m here to help your clients.

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Our StagecoachPriority® Value Package lineup works for you

Teaming up with the nation’s #1 residential mortgage lender1 gives you:

Single Source® teams, who provide unrivaled access to mortgage knowledge for all kinds of buyer needs

PriorityBuyer® preapprovals maximize your time, so that you’re workingwith credit-checked, ready-to-buy customers2

Wells Fargo Closing GuaranteeSM program provides money-backedassurance for your buyers on every qualified purchase deal3

1. Based on 2010 year-end statistics by Inside Mortgage Finance, January 28, 2011.2. A PriorityBuyer® preapproval is based on our preliminary review of credit information only and is not a commitment to lend. We will be able to offer a loan commitment after verification of application information, confirmation that all underwriting requirements and conditions have been met, and receipt of an acceptable property appraisal and title report. Not available on nonconforming products.3. Available on all qualified purchase transactions. Other terms and conditions apply. See a home mortgage consultantfor details.

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StagecoachPriority® Value Package —A wide range of mortgage options

You only need to call one lender -- Wells Fargo Home Mortgage.

Our Single Source® capabilities mean unrivaled access to mortgage knowledge for all kinds of homebuyer needs. Specialists are available for: -- new construction -- renovation -- investment property -- relocation -- reverse mortgage loans1

-- high-end purchases

We’re a leading FHA/VA lender, and we offer the

We deliver mortgages for your buyers’ specific needs.

1. Borrower must be at least 62 years of age.

--Community Development Mortgage Program, which allows qualified customers with low- to moderate-income become homeowners. --Neighborhood Community Development Mortgage Program, which allows borrowers, regardless of income, to purchase a property in a low- to moderate- income neighborhood.

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StagecoachPriority® —Our dependable preapprovals

A PriorityBuyer® preapproval: The shortest distance between the opening bid and the closing table.

We’ll confirm your clients’ price range in writing – saving you time, effort and expense.

We give your client a stronger negotiating position: -- application completed! -- credit check completed! -- initial decisioning phase completed!

A PriorityBuyer® customer at the closing table. It’s just who you want in a purchase transaction.

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StagecoachPriority® — Our on-time closing commitment means reliability

An on-time and smooth closing experience is important to your clients. And to you.

The Wells Fargo Closing GuaranteeSM program: We will close your client’s purchase loan on or before the initial closing date as indicated in the original purchase contract, or we’ll refund the first month’s principal and interest!1

There are important eligibility requirements. Just ask me for the full terms and conditions on this offer.

On the rare instance that Wells Fargo should miss the closing, the refund provides the perfect way to turn around the situation with your clients.

Available on all purchase loans, including new construction!2

1. Terms and conditions apply.2. Available on all qualified purchase transactions. Other terms and conditions apply. See a home mortgage consultantfor details.

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Customized aut0matic payment plans

Only Wells Fargo provides a full range of free payment plans that let customers pay down their mortgages sooner.

With the increased emphasis on reducing debt, our Preferred Payment PlanSM options are an important crowd pleaser. They allow borrowers to make automatic mortgage payments:

The weekly and biweekly payment plans accelerates equity growth, meaning less interest is paid and fewer years are needed to pay off a fixed-rate mortgage.

We also offer flexibility – borrowers can opt in and out of these payment plans as often as they’d like.

Other lenders charge for these payment options. Wells Fargo doesn’t.

-From any checking account or savings account-From as many as four different accounts-At a frequency they prefer – once a month, twice a month, biweekly, or weekly -- great for matching payday cycles

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Service after Closing That Reflects Well on You

We service the majority of loans we originate.

Our Responsible Servicing Principles means the same care we put into working with your borrower continues into our servicing.

Wells Fargo Online® offers our borrowers free, secure access to their mortgage accounts anytime, anywhere.

Wells Fargo offers post-close values to your clients that reflect well on you.

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Our Outreach to You

We’re committed to becoming your #1 partner to help youand your homebuyers. That’s why we’re working with Brian Buffini and other industry experts in several venues to help younavigate through the real estate market this year.

Here’s Brian Buffini in an exclusive video recorded in October 2010 for Wells Fargo.

In this one-hour DVD, Brian outlines the importance of planning in “How to Stand Out from Your Competition.”

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This information is for real estate professionals only and is not intended for distribution to consumers.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2011 Wells Fargo Bank, N.A. All rights reserved.

NMLSR ID 399801 #106244 2/11

We’re Committed to Your Success in 2011

Let’s work together to serving your homebuyers in 2011!